OnPurpose Financial Solutions - Privacy Notice and Terms

Effective Date: 8/21/24

("Company," "we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Notice and Terms apply to all services provided through our website, onpurposecreditsolutions.com and its subdomains ("Website"), and any related services ("Services").

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### 1. Privacy Notice

#### What Information Do We Collect?

Personal Information You Provide to Us:

We collect personal information that you voluntarily provide when you sign up for our services, request information, or engage in activities on our Website. This may include:

- Personal Contact Information: Name, email address, phone number, and mailing address.

- Identification and Financial Information: Date of birth, Social Security number, credit profile, employment details, and income information.

- Payment Data: Credit card numbers or other payment details necessary to process payments. Payment data is processed securely by our third-party payment processor, Keap. Their privacy policy can be found [here](#).

Information Automatically Collected:

When you visit our Website, we automatically collect information through cookies and similar technologies. This may include:

- Log and Usage Data: IP address, browser type, operating system, referring URLs, and interaction data with the Website.

- Device Data: Information about the device used to access the Website, including IP address, device model, and browser type.

- Location Data: Approximate location based on IP address or other technologies.

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#### How Do We Use Your Information?

We process your information for the following purposes:

- To Provide Services: Manage your account, process payments, and deliver financial education and empowerment services.

- To Communicate with You: Send administrative, service-related, and promotional communications.

- To Enhance Security: Monitor and prevent fraud or other security issues.

- To Improve Our Services: Analyze usage data to enhance the functionality and user experience of our Website.

- To Comply with Legal Obligations: Respond to legal requests and fulfill our legal responsibilities.

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#### Consent for Communications

By providing your contact information, including your phone number and email address, you consent to receive communications from OnPurpose Financial Solutions via phone calls, emails, and text messages, including those sent by automated technology, regarding our services. Message and data rates may apply. You may opt out of these communications at any time by following the instructions provided in the communication or by contacting us at [email protected]. Your consent to receive these communications is not a condition of purchasing any services from OnPurpose Financial Solutions.

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#### Opt-Out

- Text Messages: To opt out of text message communications, reply STOP to any message.

- Emails: To opt out of email communications, click the unsubscribe link in any email.

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#### Record-Keeping and Compliance

OnPurpose Financial Solutions retains records of all communications and consents to ensure compliance with the TCPA and TCR.

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#### Will Your Information Be Shared?

We may share your information with third parties in the following situations:

- Service Providers: We share data with vendors who assist in providing our services, such as payment processors and hosting providers.

- Legal Compliance: We may disclose information if required by law or in response to legal processes.

- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

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#### How Long Do We Keep Your Information?

We retain your personal information only as long as necessary to fulfill the purposes outlined in this notice, or as required by law. Once your information is no longer needed, we will securely delete or anonymize it.

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#### How Do We Protect Your Information?

We implement appropriate security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure. Use our Website at your own risk.

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#### Do We Collect Information from Minors?

We do not knowingly collect or market to individuals under the age of 18. If we discover that we have collected personal information from a minor, we will promptly delete such information.

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#### What Are Your Privacy Rights?

You have the right to:

- Access and Correct Your Information: Review or update your personal information by contacting us.

- Opt-Out of Marketing: Unsubscribe from marketing emails at any time by following the instructions in the email or contacting us directly.

- Delete Your Information: Request the deletion of your personal information, subject to certain legal exceptions.

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#### Do-Not-Track Features

We do not currently respond to "Do Not Track" signals from web browsers due to the lack of a consistent industry standard.

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#### Updates to This Notice

We may update this Privacy Notice periodically. The revised notice will be effective as of the date posted. We encourage you to review this notice regularly.

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### 2. Terms of Service

By using our Website and Services, you agree to these terms:

- Account Responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

- Compliance with Laws: You agree to use our Services in compliance with all applicable laws, including those related to financial education and credit improvement.

- Limitation of Liability: OnPurpose Financial Solutions is not liable for any indirect, incidental, or consequential damages arising from your use of our Services.

- Governing Law: These terms are governed by the laws of the State of [Your State], without regard to its conflict of law principles.

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### 3. Financial Services Compliance

#### Right to Cancel

Clients have the right to cancel their contract with OnPurpose Financial Solutions without penalty or obligation within three business days from the date the contract is signed. If you decide to cancel, any payment made under this contract will be returned within 10 days following the receipt of your cancellation notice. Please send cancellation requests to [email protected].

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#### No Advance Fees

OnPurpose Financial Solutions will not charge or receive any payment for financial empowerment services until the TCR Sign Up Process is complete. At that time, you will make a one-time sign-up fee in the amount of $97 via self-sign up. You agree for our monthly services to pay an additional $97 a month for our ongoing services until canceled by either party in writing at any time.

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#### No Guarantee of Specific Results

While OnPurpose Financial Solutions will use its best efforts to help you improve your financial health, we cannot guarantee specific outcomes, such as the removal of accurate information from your credit report. The results of our services are influenced by various factors beyond our control.

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#### Use of Personal Information

Personal and financial information provided by you will be used solely for the purpose of financial empowerment services, including communicating with relevant financial institutions. Your explicit consent is required for any communication or action taken on your behalf.

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#### Compliance with State Laws

OnPurpose Financial Solutions complies with the Credit Repair Organizations Act (CROA) and applicable state laws. Any state-specific regulations or additional consumer protections will be adhered to, and these will be explicitly outlined in your contract.

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#### TCR Compliance

In compliance with Telecommunications Carrier Registration (TCR) requirements, OnPurpose Financial Solutions will communicate with clients exclusively via email, chat, or text message until a signed agreement is in place and the client has completed the self-sign-up process through our website. This ensures that all communications remain compliant with TCR regulations. Once the agreement is signed and payment is processed, additional communication channels, including phone calls, may be used. Please direct any questions about this policy to [email protected].

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### 4. Contact Us

If you have any questions or concerns about this notice or your privacy rights, you may contact us at:

OnPurpose Financial Solutions

9375 E Shea Blvd Suite 100

Scottsdale, AZ 85260

Email: [email protected]